We analyze the structure of fluctuations near critical points and spinodals in mean-field and near-mean-field systems. Unlike systems that are non-mean-field, for which a fluctuation can be represented by a single cluster in a properly chosen percolation model, a fluctuation in mean-field and near-mean-field systems consists of a large number of clusters, which we term fundamental clusters. The structure of the latter and the way that they form fluctuations has important physical consequences for phenomena as diverse as nucleation in supercooled liquids, spinodal decomposition and continuous ordering, and the statistical distribution of earthquakes. The effects due to the fundamental clusters implies that they are physical objects and not only mathematical constructs.